What are the current interest rates at United Financial Credit Union?

Current rates for United Financial Credit Union include: 12-Month CD: 2.40%, 18-Month CD: 2.95%, 24-Month CD: 2.95%, 60-Month CD: 3.20%, Savings: 1.00%, MMA: 3.00%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
United Financial Credit Union

iAdvertiser Disclosure

United Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

United Financial Credit Union's top rates as of October 13, 2026 are 5.05% APY on its 6 month - 4H or FFA CD, 1.00% APY on savings, 3.00% APY on money market accounts, 5.00% APY on checking, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other United Financial Credit Union CD rates include 6 month SmartStart Youth CD at 5.00%, Hometown Hero 6 month at 3.25%, and 48 Month CD at 3.20%. MonitorBankRates evaluates the financial stability of United Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.54%. Rates last updated and verified on 10/13/2026.

United Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Financial Credit Union? Share your experience about United Financial Credit Union by leaving a review below, or read customer reviews before you decide to use United Financial Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.54%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

United Financial Credit Union
UNITED FINANCIAL CREDIT UNION

4685 State St
Saginaw, MI 48603

https://unitedfinancialcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

United Financial Credit Union CD Rates

Product	Rate	APY	Term
6 month - 4H or FFA CD	4.93%	5.05%	6 month
Details Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 month SmartStart Youth CD	4.88%	5.00%	6 month
Min Deposit $100 Details Available for members under the age of 21; Maximum $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Hometown Hero 6 month	3.20%	3.25%	6 month
Min Deposit $250 Details Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month Certificate	3.15%	3.20%	48 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month Certificate	3.15%	3.20%	60 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Hometown Hero 18 month	3.15%	3.20%	18 month
Min Deposit $250 Details Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Safe Parking 36 month	3.05%	3.10%	36 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Step Up 20 month	3.05%	3.10%	20 month
Min Deposit $500 Details Step Up CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month Certificate	2.96%	3.00%	6 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
18 Month Certificate	2.91%	2.95%	18 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month Certificate	2.91%	2.95%	24 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month Certificate	2.81%	2.85%	12 month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Save to Win 12 month	2.37%	2.40%	12 month
Min Deposit $25 Details 1 per member; Save to Win CD certificate with chances to win prizes Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	1.00%
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Health Savings Account	-	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Health Savings Account	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Health Savings Account	-	0.25%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Health Savings Account	-	0.10%
Min Balance $100 Details Balance: $100 - $1,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Christmas/Vacation Club	-	0.05%
Min Deposit $0 Min Balance $0 Details APY Variable Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Savings Plus	-	0.05%
Min Deposit $5 Min Balance $0 Details APY Variable Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Special Savings	-	0.05%
Min Deposit $0 Min Balance $0 Details APY Variable Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Account for Guided Investments	2.96%	3.00%
Details Available via the Personal Investment Portal located within Digital Banking; APY Variable; Rates as of February 4, 2026; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Checking Rates

Product	Rate	APY	View More
UFirst Elite Checking	-	5.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00; Based on Average Daily Balance; Fees could reduce earnings Last Updated 10/13/2026 Rate History No change since Sep 26, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan/Second Mortgage	-	-	5.75%	5 Year Fixed
Details As Low As; Up to 90% financing; Fixed rate Last Updated 10/13/2026 Rate History No change since Sep 26, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Home Equity Loan/Second Mortgage	-	-	6.00%	10 year fixed
Details As Low As; Up to 90% financing; Fixed rate Last Updated 10/13/2026 Rate History No change since Sep 26, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Home Equity Loan/Second Mortgage	-	-	6.25%	15 year fixed
Details As Low As; Up to 90% financing; Fixed rate Last Updated 10/13/2026 Rate History No change since Sep 26, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Home Equity Line of Credit (HELOC)	-	-	8.25%	10 year
Details Term: 10 year draw - 10 year repay; As Low As; Minimum Loan Amount $5,000; Maximum Loan Amount $150,000; Max rate 14.00% Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 8.25% ▲ 1.75 pts · high 8.25% / low 6.50% Oct 13, 20268.25%▲ from 6.75% Oct 2, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	4.90%	Up to 7 years
Details As Low As; Maximum Amount: 100% purchase price of vehicle; Term limits apply. Call Credit Union for details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Travel Trailer, Motor Home, Boat, & Snowmobile Loan	-	6.50%	Up to 15 years
Details As Low As; Maximum Amount: 100% purchase price; 6.50% rate is lowest available rate - not to be combined with any other discounts or offers; Term limits apply. Call Credit Union for details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
New & Used Motorcycle Loans	-	7.15%	Up to 7 years
Details As Low As; Maximum Amount: 100% purchase price; Example payment on $10,000 at 7.15% for 5 years - $198.69 per month; 7.15% rate is lowest available rate - not to be combined with any other discounts or offers. Term limits apply. Call Credit Union for details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.50%
Details As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

United Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Quick Cash Loan	-	-	22.00%	Up to 36 months
Details Loan amount: $500 minimum to $3,000 maximum; Application Fee: $45.00; Quick Cash Loan is a small personal loan; no credit check required; member for at least 3 months and over 18 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 22.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker	-	-	0.65%
Min Balance $100 Details Balance: $100 - $2,499; APY Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker	-	-	0.75%
Min Balance $2,500 Details Balance: $2,500 - $24,999; APY Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker	-	-	0.85%
Min Balance $25,000 Details Balance: $25,000 - $49,999; APY Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker	-	-	0.95%
Min Balance $50,000 Details Balance: $50,000 - $99,999; APY Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker	-	-	1.05%
Min Balance $100,000 Details Balance: $100,000 and up; APY Variable Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker PLUS	-	-	0.90%
Min Balance $1,000 Details Qualifications Required: E-statements; active debit card; Balance: $1,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker PLUS	-	-	1.70%
Min Balance $50,000 Details Qualifications Required: E-statements; active debit card; Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker PLUS	-	-	1.90%
Min Balance $100,000 Details Qualifications Required: E-statements; active debit card; Balance: $100,000 - $499,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Maker PLUS	-	-	2.20%
Min Balance $500,000 Details Qualifications Required: E-statements; active debit card; Balance: $500,000 and up Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

United Financial Credit Union’s Texas Ratio rose from 3.83% in Q3 2023 to 5.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$360M	5.54%	5.0	A+
March 31, 2026	$350M	2.20%	5.0	A+
December 31, 2025	$343M	3.89%	5.0	A+
September 30, 2025	$339M	3.57%	5.0	A+
June 30, 2025	$333M	3.94%	5.0	A+
March 31, 2025	$327M	3.51%	5.0	A+
December 31, 2024	$317M	5.02%	5.0	A+
September 30, 2024	$317M	4.30%	5.0	A+
June 30, 2024	$317M	4.95%	5.0	A+
March 31, 2024	$322M	3.35%	5.0	A+
December 31, 2023	$321M	5.23%	5.0	A+
September 30, 2023	$318M	3.83%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Financial Credit Union

Website https://unitedfinancialcu.org

Address 4685 State St, Saginaw, MI 48603

Phone 989-777-3620

Fax

President Robert Callison

CEO BARBARA APPOLD

Full-Time Employees 60

Part-Time Employees 22

Branch Locations 10

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.54%

Return on Assets (ROA)

0.4600%

Return on Equity (ROE)

4.2871%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

360,074,039

Total Amount of Shares and Deposits

325,723,924

Total Shares and Deposits < 1 Year

296,860,835

Total Shares and Deposits 1 3 Years

25,546,643

Total Shares and Deposits > 3 Years

3,316,445

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,951,208

Total Uninsured Shares and Deposits > $250K (F+J)

8,951,208

Total Insured Shares and Deposits > $250K (item 17 less item K)

316,772,716

Total Interest Expense (Sum of items 6 8)

2,394,495

Share Certificates

5,199

Number of Accounts for Share Drafts

13,259

IRA KEOGH Accounts

1,225

Number of Accounts for Regular Shares

23,486

All other shares

3,304

Money Market Shares

4,003

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,136,756

Total Liabilities

326,838,940

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/united-financial-credit-union-rates-review-61657">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for United Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for United Financial Credit Union

Frequently Asked Questions About United Financial Credit Union

How many branches does United Financial Credit Union operate?

United Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Financial Credit Union?

Yes, to access services at United Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Financial Credit Union offer online and mobile banking?

Most modern institutions like United Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://unitedfinancialcu.org.